Personal Banking
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Personal Checking
When it comes to checking accounts, we think it should be less one-size-fits-all and more your-size-fits-you. Choose only the features you need, and get the access you want.
Checking Features
Mobile App
Online Banking
NBC iPay (bill pay)
Checking Accounts
Simple Choice
- Choice of statement delivery – eStatements (no charge) or paper statements ($3/month)
- Online banking
- MoneyPass ATM network
- Finance360 (aggregator)
- Debit or ATM card
- NBC iPay (bill pay)
- 24-hour telephone banking
- Mobile deposit capture
Choice
- Choice of statement delivery – eStatements or paper statements (no charge)
- Mobile deposit capture
- Finance360 (aggregator)
- Two boxes of standard checks per year
- MoneyPass ATM network
- Debit or ATM card
- NBC iPay (bill pay)
- 24-hour telephone banking
- Online Banking
Choice+
- Choice of statement delivery – eStatements or paper statements (no charge)
- Interest bearing
- Two boxes of standard checks per year
- Finance360 (aggregator)
- MoneyPass ATM network
- Debit or ATM card
- NBC iPay (bill pay)
- 24-hour telephone banking
- Mobile deposit capture
- $10 safe deposit box discount
- Online Banking
Youth Choice
Teach your children money management skills and give them a headstart on their future.
- MoneyPass® ATM network
- Online banking
- eStatements (no charge)
- Debit or ATM card
- Mobile deposit capture
- 24-hour SmartLine telephone banking
- Finance360 (aggregator)
- Paper statements without check images ($3/month)
Personal Savings
Plan for repairs, vacations, and the future with our savings accounts. Each is tailored to a different kind of saver and offers features to help you reach your goal.
Savings Calculators
Savings Goal
Monthly Deposit
Retirement
Savings Accounts
We believe in the need to save for the short-term and the long. That’s why we provide a wealth of ways to save money for maximum flexibility.
Statement Savings
Popular account for those who want to save for the unexpected without the higher minimum balance.
- $50 minimum daily balance to avoid a service charge
- Interest bearing
- Sweep option available
- Preauthorized transfers limited to six per month
Money Market
Tiered interest rates with easy access to your funds and a low minimum balance.
- $1,000 minimum daily balance to avoid a service charge
- Competitive tiered interest rates
- Sweep option available
- Preauthorized transfers limited to six per month
Premium Money Market
$25,000 minimum opening balance, premium tiered rates with added benefits and flexibility.
- $25,000 minimum daily balance to avoid a service charge
- Competitive rate tiers at $50,000 and $100,000
- Sweep option available
- Preauthorized transfers limited to six per month
Health Savings Account
A self-directed checking account for a high deductible health plan policy holder.
- Free online banking, NBC iPay (bill pay), telephone and mobile banking
- Free detailed monthly statements and annual reporting
- HSA debit card and checks with unlimited transactions
- Funds are available for immediate use
- No annual or set-up fees. There is no service charge if you are an employee of our business customer and the deposits come from the company
Youth Savings Account
Savings 101: Start Young
- No minimum balance
- Competitive tiered interest rates
- For youth under the age of 18
CDs & IRAs
As your savings needs evolve, we have a complete suite of savings vehicles to fit any strategy, whether that be short, mid or long-term savings.
Fixed Rate CD
A great low-balance point of entry for savers looking to expand their portfolio.
- $500 minimum opening balance
- Earns a competitive fixed interest rate
- Direct deposit or compound interest payment option
- Early withdrawal penalty may apply
- Terms available: 3, 6, 12 ,18, 24, 36, 48, and 60 months
Traditional IRA
Tax-advantage arrangement that allows earnings and deductible contributions to grow tax-deferred.
- Earns a competitive interest rate
- Earnings grow on a tax-deferred basis
- Compound interest payment
- Deductible contributions and earnings are subject to federal income tax when withdrawn
- You must have earned income to contribute
- Annual contribution limits vary by year and by earned income
- Early withdrawal penalty may apply
- Fixed rate option:
- $500 minimum opening balance
- Terms available: 12, 18, 24, 36, 48 and 60 months
- Variable rate option:
- $5 minimum opening balance
- 18-month term
- Note: Consult a tax advisor regarding the deductibility of interest
Roth IRA
Unique and exciting savings opportunity that gives you an easy and safe way to plan for your future.
- Earns a competitive interest rate
- Contributions are allowed at any age
- Compound interest payment
- Qualified distributions are tax-free
- Accumulate earnings on a tax-deferred basis
- Flexible withdrawal options are available
- You must have earned income to contribute
- Annual contribution is dependent on your modified adjusted gross income as determined on your federal income tax form
- Early withdrawal penalty may apply
- Fixed rate option:
- $500 minimum opening balance
- Terms available: 12, 18, 24, 36, 48, and 60 months
- Variable rate option:
- $5 minimum opening balance
- 18-month term
- Note: Consult a tax advisor regarding the deductibility of interest
Home Loans
Buying a home is a big deal. Getting a mortgage, less so.
Mortgage
Fixed Rate
The stability and consistency of predictable monthly principal and interest payments.
- Low closing costs
- Owner occupied and non-owner occupied properties (1-4 family dwellings and second homes)
- Credit decision made locally
- Flexible repayment terms
- Fixed monthly payments
- Purchase or refinance
- Automatic payment options
- Escrow of taxes and insurance option
- No prepayment penalty
Adjustable Rate
Traditionally lower initial mortgage payments and flexible underwriting standards.
- Credit decision made locally
- Payments adjust after the initial fixed interest period, according to your loan program
- Rates are capped to protect you against dramatic increases in interest rates
- Flexible repayment terms
- Low closing costs
- Purchase or refinance
- Automatic payment options
- Escrow of taxes and insurance option
- No prepayment penalty
- Owner occupied and non-owner occupied properties (1-4 family dwellings and second homes)
Construction
The flexibility you need to build your dream home. Converts easily into a standard mortgage.
- Low closing costs
- Contractor built, turn-key homes
- Pay interest only on funds as you need them
- Flexible terms
- Fixed rate
- Credit decisions made locally
Wisconsin Housing & Economic Development Authority (WHEDA)
First-time home buyer option for people purchasing a home in Wisconsin.
- Only 3% down payment required
- Down payment assistance programs available
- Can be combined with our Down Payment Plus assistance forgivable grant program for up to an additional $6,000 to be used towards down payment and closing costs
- Traditionally lower interest rates
- Competitive closing costs
- Income requirements
- Purchase price limits
Low Down Payment
Programs unique to our market, offered by National Bank of Commerce.
- First time homebuyer as well as non-first time homebuyer programs
- Down payments as low was 3% with no income limits
- Down payment assistance available
- Purchases and no cash-out refinances
- No prepayment penalty
- Certain requirements apply
VA
No down payment loans for eligible veterans.
- Competitive terms
- Easy application process
- Owner occupied primary residence
- Purchases and refinances
- No prepayment penalty
FHA
Accessible, affordable home loan option. Government-issued loans with low down payment requirements.
- 3.5% down payment
- Purchases and refinances
- Assumable loan potential when the time comes to sell your home
Lending
Personal Loans
Whether you need smart lending options for life’s big purchases, or a safety net for unexpected expenses, we’re ready to help.
ATV, Auto, and Boat Loans
Fast approval with convenient terms.
- Secured and unsecured options
- Flexible repayment terms
- Credit decision made locally
- Fixed monthly payments
Home Equity Line of Credit
A flexible line of credit, secured by the equity in your home, that you can draw from when you need it.
- Variable interest rate
- Credit decision made locally
- Minimal closing costs*
- Potential tax benefit**
Home Equity Loan
Fixed interest rate and payments make it easy to budget.
- Fixed rate loan
- Minimal closing costs
- Credit decision made locally
- Fixed payments
- No prepayment penalty
- Flexible loan-to-value ratio
- Potential tax benefit**
Overdraft Protection & Line of Credit
Piece-of-mind protection with credit decisions made locally.
- Unsecured
- Automatic payment required from a National Bank of Commerce checking account
- Payment based on percentage of unpaid balance
All loans are subject to credit approval. Please contact a banker for additional information.
* Closing costs may be reduced or eliminated with qualifying NBC account relationship
** Please consult a tax advisor regarding the deductibility of interest
Credit Cards
We’ve partnered with VISA to offer card options with great rates, rewards and cash back. Whether you’re paying for a newspaper or an entire vacation, our credit cards will help make it possible.
Signature Banking
It’s private banking with our 
- Premier checking and savings accounts offering tiered interest rates
- Short and long-term debt structures
- Cash management solutions
- Customized credit solutions
- No charge for convenience products such as:
- Access to 32,000 fee-free ATMs using MoneyPass
- 24-hour SmartLine telephone banking
- Online banking and NBC iPay (bill pay)
- Download capabilities to Quicken™ and QuickBooks™
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